These Payment Terms and Conditions ("Terms") govern the financial aspects of the relationship between iSelect Digital ("Agency", "we", "us") and the engaging party ("Client", "you") for all services provided.

By accepting a quote, signing a proposal, or authorizing the commencement of work, the Client agrees to be bound by these Terms.

1. Quotes and Estimates

1.1. Validity: All quotes and estimates provided by iSelect Digital are valid for a period of [e.g., 30] calendar days from the date of issue. If not accepted within this timeframe, iSelect Digital reserves the right to re-estimate the project.

1.2. Estimates are Not Fixed: Unless explicitly stated as a "Fixed Price Agreement," quotes are estimates based on the initial project scope understood at the time. Final pricing is subject to change based on actual time spent and resources used, should the scope evolve.

2. Payment Structure

The specific payment structure will be outlined in your project proposal or agreement. However, our standard structures are as follows:

2.1. Project-Based Work (e.g., Website Builds, Branding Packages): Unless otherwise agreed in writing, standard project payment terms are:

Deposit: A non-refundable deposit of [e.g., 50%] of the total estimated project total is required before work commences to secure resources and schedule the project.Milestone/Completion Payment: The remaining balance is due upon completion of the project and prior to the final handover of files or launch of the website.(Optional Alternative for larger projects): [e.g., 40% Deposit to start, 30% upon design approval, 30% prior to launch.]

2.2. Ongoing Retainers (e.g., SEO, Social Media Management, Maintenance): Retainer services are billed monthly in advance. Invoices are sent on the [e.g., 1st] of the month for services to be rendered that month. Payment is due upon receipt to ensure uninterrupted service.

2.3. Hourly/Ad-Hoc Work: Work performed outside of a fixed scope or retainer agreement will be billed at our standard hourly rate of [Amount and Currency] per hour. These services are billed in [e.g., 15-minute] increments and invoiced either weekly or upon completion of the specific task.

3. Invoicing and Payment Terms

3.1. Invoicing: iSelect Digital will issue electronic invoices to the primary email address designated by the Client.

3.2. Payment Due Date: Unless specified differently on the invoice itself:

Deposits are due "Upon Receipt."Standard Invoices (Milestones/Balances) are due within [e.g., 14] calendar days of the invoice issue date.

3.3. Currency: All invoices will be issued in [Your Local Currency, e.g., USD, GBP, NGN].

3.4. Payment Methods: We accept payment via [e.g., Bank Transfer/ACH, Credit Card via Stripe/PayPal]. The Client is responsible for any transaction fees associated with their chosen payment method, unless explicitly agreed otherwise.

4. Late Payments and Penalties

Timely payments are crucial for our continued operations.

4.1. Late Fees: Invoices not paid by the due date will incur a late fee of [e.g., 1.5% or 5%] of the outstanding balance per month, compounded monthly, or the maximum rate permitted by law, whichever is lower.

4.2. Work Stoppage ("Down Tools"): If an invoice remains unpaid for more than [e.g., 7] calendar days past its due date, iSelect Digital reserves the right to immediately pause all active work on the Client’s project without liability for missed deadlines or delays.

4.3. Service Suspension: For ongoing retainer clients, non-payment may result in the suspension of services (e.g., pausing ad campaigns, halting SEO activities, taking a website offline temporarily) until the account is brought current.

4.4. Collection Costs: The Client agrees to pay all reasonable costs incurred by iSelect Digital in collecting overdue accounts, including but not limited to attorney fees, court costs, and collection agency fees.

5. Scope Creep and Additional Costs

5.1. Out-of-Scope Work: The project price is based on the scope defined in the initial proposal. Any requests by the Client that fall outside of this defined scope (known as "scope creep") are subject to additional charges.

5.2. Change Orders: iSelect Digital will inform the Client if a request is considered out-of-scope and will provide an estimate for the additional work. Work on these changes will only commence upon written approval (email is sufficient) from the Client.

5.3. Third-Party Costs and Expenses: Unless explicitly included in the quote, the Client is responsible for all direct out-of-pocket expenses including, but not limited to:

Purchase of stock images, fonts, or media licenses.Website hosting fees and domain name registration.Premium plugin or software licenses required for the project.Advertising spend (e.g., Google Ads or Meta Ads budgets) – these must be paid directly by the Client to the ad platform.

6. Intellectual Property and Handover

6.1. Conditional Transfer of Ownership: iSelect Digital retains full ownership of all design concepts, code, drafts, and final deliverables until all outstanding invoices for the project have been paid in full.

6.2. Final Handover: Only upon receipt of final payment will iSelect Digital grant the Client a perpetual, non-exclusive license to use the final deliverables for their intended purpose. At this point, we will transfer necessary administrative credentials and final files.

6.3. Agency Tools: iSelect Digital retains ownership of any proprietary tools, frameworks, or pre-existing code libraries used to build the project. The Client is granted a license to use these tools as embedded within the final deliverable.

7. Cancellation and Refunds

7.1. Client Cancellation: If the Client wishes to cancel a project after work has commenced, they must do so in writing.

The initial deposit is non-refundable.The Client will be invoiced for all work completed beyond the deposit amount up to the date of cancellation based on our standard hourly rates.

7.2. Refunds: Due to the custom nature of digital services, iSelect Digital generally does not offer refunds once work has been delivered or accepted. Any exceptions are made solely at the discretion of iSelect Digital management.

7.3. Termination of Retainer: Monthly retainers require a written [e.g., 30-day] notice of cancellation. The final month will be billed in full if notice is given mid-cycle.

8. Taxes

All quoted prices are exclusive of applicable taxes (e.g., VAT, GST, Sales Tax), unless otherwise stated. The Client is responsible for paying any applicable taxes associated with the services rendered.

9. Disputes

The parties agree to attempt to resolve any dispute regarding these payment terms amicably through good-faith negotiation before resorting to legal action.